<div dir="ltr"><div class="gmail_default" style="font-family:verdana,sans-serif"><span id="gmail-docs-internal-guid-f7ea9059-7fff-1210-ba10-042133b53e00"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-style:italic;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">SENT ON BEHALF OF THE NYS DEFERRED COMPENSATION PLAN</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:13.5pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">The NYS Deferred Compensation Plan is a voluntary retirement savings plan offered by New York State and your employer, to allow public employees, like you, to put aside money from each paycheck toward retirement. The Plan can help bridge the gap between what you have in your pension and Social Security, and how much you’ll need in retirement.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Our local representative, Michael Kochan, is offering the following webinars: </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">Enrollment Webinar</span><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">: </span><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">To go over the basics of investing with Deferred Compensation as well as how to enroll.  The enrollment webinar will be held on </span><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Tuesday, March 14, 2023 at noon</span><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">.  Please use this </span><a href="https://nationwidega.webex.com/nationwidega/onstage/g.php?MTID=e075c7fe48d73da2493209482fbe1bc72" style="text-decoration-line:none"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">link </span></a><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">to register.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">Tax-Efficient Retirement Income</span><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">: </span><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Join us for a conversation about important considerations as you get closer to retirement. Offer strategies to implement while participants are accumulating future sources of tax-deferred, tax free and taxable retirement income. For those ready to retire, learn withdrawal sequencing strategies to help optimize Social Security benefits, lower taxes, extend the longevity of a retirement portfolio and improve tax impacts on widows and heirs.  The tax-efficient retirement income webinar will be held on </span><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Thursday, March 30, 2023 at noon.  </span><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Please use this </span><a href="https://nationwidega.webex.com/nationwidega/onstage/g.php?MTID=e40e9cea926e84d0945b5398e3dd92154" style="text-decoration-line:none"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">link </span></a><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">to register. </span><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap"> </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><br></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">If you are unable to attend the webinar, or need individual help with your account, please click </span><a href="https://outlook.office365.com/owa/calendar/MikeKochan@onyourside.onmicrosoft.com/bookings/" style="text-decoration-line:none"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">here </span></a><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">for an appointment. </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><br></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Michael Kochan- Account Executive</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">New York State Deferred Compensation Plan</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Cell- 518-986-3342</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Website :  </span><a href="https://www.nysdcp.com/rsc-web-preauth/index.html" style="text-decoration-line:none"><span style="font-size:12pt;font-family:Arial;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;text-decoration-line:underline;vertical-align:baseline;white-space:pre-wrap">New York State Deferred Compensation (nysdcp.com)</span></a></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">HELPLINE: 1-800-422-8463</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;vertical-align:baseline;white-space:pre-wrap">Fax- 1-877-677-4329</span></p></span><br class="gmail-Apple-interchange-newline"></div><br clear="all"><div><br></div><span class="gmail_signature_prefix">-- </span><br><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div style="margin:8px 0px 0px;padding:0px;color:rgb(34,34,34);font-family:"Google Sans",Roboto,RobotoDraft,Helvetica,Arial,sans-serif"><div><div dir="ltr"><div dir="ltr"><div dir="ltr"><p style="margin:0px;line-height:normal"><strong><font face="arial, sans-serif">HUMAN RESOURCE SERVICES</font></strong></p><div dir="ltr"><font size="2" face="arial, sans-serif">912 Kehoe Building</font></div><div dir="ltr"><span style="font-size:13px"><p style="color:rgb(0,0,0);font-size:12.8px;margin:0px;line-height:normal"><a href="https://maps.google.com/?q=101+Broad+Street+Plattsburgh,+NY+12901&entry=gmail&source=g" style="font-size:small" target="_blank"><font face="arial, sans-serif">101 Broad Street</font></a></p></span><div dir="ltr" style="font-size:12.8px"><font size="2"><font size="2"><p style="margin:0px;line-height:normal;font-size:12.8px"><span style="color:rgb(0,0,0)"><font size="2" face="arial, sans-serif"><a href="https://maps.google.com/?q=101+Broad+Street+Plattsburgh,+NY+12901&entry=gmail&source=g" target="_blank">Plattsburgh, NY 12901</a></font></span></p><p style="margin:0px;line-height:normal;font-size:12.8px"><font size="2" face="arial, sans-serif">(o) <a href="tel:(518)%20564-5062" value="+15185645062" target="_blank"><font color="#1155cc">518-564-5062</font></a></font></p><p style="margin:0px;line-height:normal;font-size:12.8px"><font size="2" face="arial, sans-serif">(f) <a href="tel:(518)%20564-5060" value="+15185645060" target="_blank"><font color="#1155cc">518-564-5060</font></a></font></p><div><br></div></font></font></div></div></div></div></div><div></div><div></div></div></div><div style="color:rgb(34,34,34);font-family:"Google Sans",Roboto,RobotoDraft,Helvetica,Arial,sans-serif"></div></div></div></div>